Privacy & Other Policies of LifeInsuranceAdvisors.com
We're committed to protecting your privacy in everything we do. If you have any questions about our privacy policy, please contact us at Toll Free (800) 909-2040.
This site allows you to obtain life insurance information and basic life insurance quotes for yourself without providing personally identifiable information. After you run quotes, if you wish to pursue the next step of completing an application, we will need to gather personal information from you at that point in time.
For our online term life insurance quote engine, the only required information needed to view quotes from various insurance carriers is your date of birth, gender, underwriting rate class, state you live in, the amount of coverage, term length, name and email address. All other information is voluntary. You do not need to submit your phone numbers.
If you do supply your contact information such as your name, phone numbers or email address, we will contact you to review your quotes with you. If you do not want us to have this information, do not submit it to us.
Submitting your information grants us express written permission to contact you. This applies even if you are on state or federal "Do Not Call Lists". We use directory assistance to obtain correct phone numbers and addresses when consumers make mistakes submitting their information. If you would rather that we do not call you, you are advised to leave the phone numbers blank as we use directory assistance to check for legitimate numbers before calling.
Rest assured that you can change your mind at any point in time by contacting us and telling us to close your file and discontinue contact. We will acknolwedge requests of this nature and discontinue contact.
Quotes, Quote Requests, and our Quote Engine:
Our quote engine will provide term life insurance company prices based on the information that you the consumer provide. The quote engine has no ability to determine if the rate you quote for yourself is a rate that you will actually qualify for. Only complete underwriting and approval by the insurance company can determine the final rate that you pay.
LifeInsuranceAdvisors.com relies on third party companies to provide the insurance quote engine on this website. While these companies take careful steps to ensure the accuracy of the term life insurance quotes, mistakes are made on a rare occasion. LifeInsuranceAdvisors.com will not be held responsible for errors made by these companies.
In addition, LifeInsuranceAdvisors may give you an opinion as to what rate class they think you will be approved at. These are just opinions. We try to be as accurate as possible when we quote your rate, BUT only the insurance company can determine your final rate. LifeInsuranceAdvisors.com will not be responsible for approvals at rates other than applied for. We will make our best effort to provide you with accurate life insurance quotes.
Application Requests:
Our application request form allows you to request an application from us for insurance coverage. Requesting an application from LifeInsuranceAdvisors.com does not create an obligation for LifeInsuranceAdvisors.com.
In order to request an application, you will need to provide detailed personal information to us. We will contact you once that information is in order to confirm the information you provided and also to ensure that you have chosen the best company based on your medical information.
Please note that we will give you our opinion as to whether you will qualify for the rate class and company you have chosen. You also understand and agree that LifeInsuranceAdvisors.com shall not determine the final rate that you actually pay. Only the insurance company you apply to shall determine that rate, and they can only do so after you have completed all requirements that the insurance company requests from you. The insurance companies reserve the right to decline your application or charge you more or less than what you or LifeInsuranceadvisors.com have quoted you. The rates quoted on this website or by LifeInsuranceAdvisors.com are estimates only. The insurance company will determine the price you pay for life insurance.
Once we have contacted you and confirmed the information and correct company to go to, we will send you the application package by mail and have the paramed examiner contact you to schedule your required exam.
Underwriting Process:
The underwriting process does not begin until you have completed and returned the insurance application to us and we have acknowledged receipt of that application and you have completed your required medical exam.
Once we have the application and exam in our possession, we will send both to the insurance company for processing. The insurance company will review the information you provided as well as the lab results and exam questions. The insurance company may ask you additional questions. The insurance company may request your medical records from your doctor as well. You are advised to read your application carefully as the insurance company will indicate their process in their applications.
Once the company has received all information it needs, the insurance company will make a decision. The insurance company may offer you a policy at the rate you applied, at a higher or lower rate. They may offer you more or less coverage than what you applied for. They may decline to offer you any coverage or postpone your application until a later date. We will advise you of the insurance company's decision once we receive the information in our office. Life insurance coverage does not become effective until all of the following take place: You have completed an application and any additional forms required for insurance, the entire underwriting process is completed, the insurance company has approved you for coverage, issued a policy to you, you have reviewed and accepted that policy, paid the premium for that policy, and the insurance company has accepted the completed delivery requirements, and have cashed your check or taken money out of your bank account to pay for premiums. The insurance company may have additional requirements for you to complete for coverage to become effective.
DISCLOSURE STATEMENTS ABOUT COMPENSATION AND INSURANCE COMPANY REPRESENTATION:
LifeInsuranceAdvisors.com is an information site for term life insurance information and term life insurance quotes. Agents that contact you are individually licensed in your state and can confirm their information with you. They are not employees of LifeInsuranceAdvisors.com. They are agents that pay for referrals.
Agents are paid commissions for selling life insurance policies by the insurance companies they represent. Compensation varies by life insurance carrier, type of product, duration of product, etc. If you have questions about commissions, ask the agent that you are working with about it.
LEGAL NOTICE AND DISCLAIMERS:
The information and documents provided by this site are provided "as is", and without warranties of any kind, either implied or expressed. LifeInsuranceAdvisors.com and affiliated websites disclaims all warranties of merchantability and fitness for a particular purpose.
In no event shall LifeInsuranceAdvisors.com and affiliated websites be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of this website.
LifeInsuranceAdvisors.com and affiliated websites do not provide medical, legal or tax advice. You should consult with your own legal or tax advisor with those questions. Any medical information found on this site is for informational purposes and is not intended to replace the advice of your personal healthcare professionals.
Insurance Rate Information:
LifeInsuranceAdvisors.com and affiliated websites use third party services to provide the life insurance quotes on this site and also the quotes that they send to you verbally, or by mail, fax, email or via other transmission methods. LifeInsuranceadvisors.com and affiliated websites have done everything to the best of their knowledge to provide accurate quotes, however LifeInsuranceAdvisors.com and affiliated websites cannot guarantee the accuracy of these quotes.
LifeInsuranceAdvisors.com will not be responsible for errors made by these third party quotation services.
The quotes illustrated on this site or provided by LifeInsuranceAdvisors.com or affiliated websites are for illustrative purposes only. Actual premiums can only be determined by the insurance company you apply to after you have completed all underwriting requirements, you have received the policy, accepted the policy and have paid the required premium. Your coverage is not effective until the insurance company has received your premium and requirements and has acknowledged that your policy is effective. In the event that there is a discrepancy between quotes illustrated versus the policy issued, the rates of the actual insurance policy will prevail.
How We Are Paid:
We are paid commissions by the insurance companies and insurance wholesalers we place our business through.
Our postal address is:
LifeInsuranceAdvisors.com
2865 South Eagle Road
#374
Newtown, PA 18940
We can be reached via e-mail at info (use @ sign )LifeInsuranceAdvisors.com
or you can reach us by telephone at (800) 909-2040
Transaction Security Methods
At www.LifeInsuranceAdvisors.com your security is very important. We support the Internet standard of Secure Socket Layers or SSL to ensure that the transmission of your sensitive information can not be intercepted or decoded.
In addition we will not divulge any information we receive from customers to anyone. We will not rent, sell or give your name or credit card information or purchase history to any other company, agency or individual.
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